High risk insurance companies usually take great gambles when they insure drivers in this category. This is why the premiums for such drivers are usually far greater than those with proven good track records. If you need to acquire insurance within the high risk category, it's good advice to compare policies between companies and their performance.
How to Start
Conduct an online search to find a list of high risk auto insurance companies. Once you find a few to conduct a comparison, make some notes about their prices. Many companies will require details of your driving history and vehicle in order to calculate a figure on which to base a policy.
Calling an Agent
The fact that you are in a high risk category your driving history could have been colored with speeding tickets, DUIs, suspensions or SR22. Remember that prices will escalate for drivers who have not displayed good road sense. When you speak to an agent on the phone they will ask for your driving record and why you're in the high risk bracket. High risk car insurance companies need to depend on their good drivers in order to be able to take risks with other drivers.
Compare the details of coverage with price for each company. You may pay less with one company, but the benefits could drop drastically, so make sure you are not getting less for the money. Compare their profiles so that you can read other customer opinions on the way the company deals with customer care. Having honest customer feedback can make the difference between whether you choose a company or not. Bear in mind that you could be refused auto insurance based on your driving record, and in this case you may need to file an SR22.